consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Benefits, Tax Credits and Minimum Wage

Benefits, Tax Credits and Minimum Wage Having problems with benefits / deductions, or want to discuss entitlement etc. this is the place. Other matters include Tax Credit issues and also advice for those on / or below minimum wage.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 6th July 2008, 10:40   #1 (permalink)
adamrao
Basic Account Customer
 
adamrao's Avatar
 


I am in: Manchester
Posts: 30
adamrao Novitiate
Default Employment and Support Allowance is replacing Incapacity Benefit and Income Support

In case if you are not aware:

From 27 October 2008 Employment and Support Allowance replaces Incapacity Benefit and Income Support paid on incapacity grounds for new customers.
The principle of Employment and Support Allowance is that everyone should have the opportunity to work and that people with an illness or disability should get the support they need to engage in appropriate work, if they are able.

A new test, the Work Capability Assessment, will be introduced in October 2008 alongside the new Employment and Support Allowance and will be applied to all those people claiming the new allowance. The new test is more robust, accurate and fairer. It will replace the current Personal Capability Assessment, which is weighted more towards a person’s physical disability and bases itself around assessing people’s incapability for work.

The Work Capability Assessment will look at people’s physical and mental ability, such as learning disabilities and other similar conditions. It will assess what an individual can do - rather than can’t do. Individuals with health conditions will be given support and employment advice to enable them to return to work where possible.

Key facts

New customers only

For new customers, Employment and Support Allowance will replace Incapacity Benefit and Income Support paid on incapacity grounds. Existing Incapacity Benefit or Income Support customers will continue to receive their existing benefits, so long as they satisfy the entitlement conditions.

Personalised support

Employment and Support Allowance offers personalised support and financial help if people are not working due to an illness or disability. It gives people access to a specially trained personal adviser and a wide range of further services.

Medical assessment

Central to Employment and Support Allowance are the new medical assessments which examine what people can do, rather than what they can’t, and identify what personal support they might need.

Work-focused interviews

Most people claiming Employment and Support Allowance will be expected to take appropriate steps to help prepare for work, including attending a series of work-focused interviews with a personal adviser.

Support Group

Under Employment and Support Allowance people with an illness or disability that severely affects their ability to work will get increased financial support and will not be expected to prepare for a return to work.

source: DWP - Employment and Support Allowance
__________________
Impossible is I'M Possible
adamrao is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th July 2008, 20:28   #2 (permalink)
lenny100
Basic Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

sounds like its a get everybody off the sick now and into low piad work asap if they can get somebody willing to employ them, (unlikely due to the high cost of covering the insurance payments demanded to employ somebody who is classed as diabled), and make the figures look like they are going down!!!
lenny100 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th July 2008, 00:52   #3 (permalink)
emmaf01
Platinum Account Customer
 


I am in: Liverpool
Posts: 2,072
emmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informative
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

How long before it stops being applicable only for new customers? How long before they start (or should I say turn) on existing IB claimants?
emmaf01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th July 2008, 22:01   #4 (permalink)
forgottenone
Platinum Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

It is dated as starting from 2010 for long term claimants - which I am not BTW in case anyone assumes I am claiming incorrectly - and will trickle down in stages from then on in when the system essentially catches up with the backlog.

Last edited by forgottenone; 14th July 2008 at 00:58.
forgottenone is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th September 2008, 22:02   #5 (permalink)
Kerrie78
Classic Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

Wow I've just read about this but it seems I'm months behind you lot lol!!!

My husband gets Incapacity Benefit and I had no idea this was being replaced by something else and I read forums / disabilty websites etc on a wekly basis so I'm surprised I havent spotted it somewhere before now!

I'm found a good website with lots of info on it but i'm not sure if i can post the link or not, but the way I have read it is that even existing claimants are going to have to have new application forms and new tests to go to, is this correct? I know it says "At a later date" for existing claimaints but I would like to have a rough idea of what is going on.

My hubby spent almost a year getting his IB sorted out after it was stopped abruptly due to the dreaded "Medical" where he scored no points. I would hate for him to have to go through all that again.
Kerrie78 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th September 2008, 10:22   #6 (permalink)
davethorp
Platinum Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

Can someone who has been knocked back due to the PCAs limitations on mental health assessment, reapply once the changes come into effect and be assessed under the new rules?
davethorp is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 4th October 2008, 00:35   #7 (permalink)
patrickq1
Platinum Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

http://www.rightsnet.org.uk/pdfs/ESA_handbook_v1_Final.doc
patrickq1 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 4th October 2008, 11:18   #8 (permalink)
Zamzara
Gold Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

Quote:
Originally Posted by davethorp View Post
Can someone who has been knocked back due to the PCAs limitations on mental health assessment, reapply once the changes come into effect and be assessed under the new rules?
Yes.
Zamzara is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 4th October 2008, 18:20   #9 (permalink)
emmaf01
Platinum Account Customer
 


I am in: Liverpool
Posts: 2,072
emmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informative
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

You shouldn't have been knocked back due to the failings of their assessment- I hope you appealed!
emmaf01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th October 2008, 12:11   #10 (permalink)
davethorp
Platinum Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

Quote:
Originally Posted by emmaf01 View Post
You shouldn't have been knocked back due to the failings of their assessment- I hope you appealed!
Did but as the appeals service also uses the same old flawed system failed that too
davethorp is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2008, 00:13   #11 (permalink)
andrew1402
Basic Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

i also had my incapacity knocked back and got 3 points in all i have appealed and put a sicknote from my doctor in with the appeal and the fact half the questions that are on the original decision i don't remember them asking and some were asked totally different and i have a tribunal form with all the details they are taking to tribunal i have no friends but i spend time talking to them on the phone is in there along with a lot of other stuff that contradicts what he has said i can't get to the tribunal it's too far so i guess i'll have to have the paper hearing but i'd love to be there to say my peace anyway im on income support on a low rate while i appeal 82 a week with 2 children and my wife plus child benefit is not alot compared to my incapacity benefit of 276 im in debt with my water ,electricand gas company due to there rises too im waiting on united utilities trust funds decision to help with some costs i suffer from depression and no one is taking any notice properly what im saying obviously on incapacity part more than likely fail again at the tribunal would i be on income support or jobseekers with as they call my mild depression/anxiety or can i apply for this new employment and support allowance?.
andrew1402 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2008, 13:47   #12 (permalink)
emmaf01
Platinum Account Customer
 


I am in: Liverpool
Posts: 2,072
emmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informativeemmaf01 Highly informative
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

HAve you got your local council welfare rights officer to help with your appeal?

I have been in almost exactly your position, and I know how awful it is. If you haven't yet got assistance with your appeal, ask for help immediately. It saved my skin and the DWP changed their decision two weeks before the appeal date- the gits didn't bother informing us though! They really can be bottom feeders.

I'm now waiting to see if they will allow me to do some voluntary work, to try to get out of the house. The woman seemed astounded that if they say no, I will not do the voluntary work! She said I could always go on JSA! Is she having a laugh?
__________________
If I have been helpful, please click on my scales. Thank you.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link- ALL WON!
Halifax2- prelim 27/6/07 -reminder/hardship 20/9/08
Capital One- OH- prelim sent 20/9/08
Thames Credit -statute barred sent 13/11/08
BCW- prove debt letter- 14/08/08
Apex- CCA 14/08/08
Call Serve- CCA 14/08/08
Littlewoods- no CCA letter 03/09/08
Wescot- CCA 19/9/08
Capital One/Debitas- CCA 14/8/08- now with NCO
Capital One- prelim
Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
emmaf01 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2008, 16:03   #13 (permalink)
andrew1402
Basic Account Customer
Default

no i haven't got a welfare rights officer how do i get 1?but if i go to tribunal or paper hearing that takes more time and christmas is round the corner and £82 will not help to get the children christmas presents im backed in a corner i can't survive on this amount and i have 14 days to respond.

Last edited by andrew1402; 15th October 2008 at 16:08.
andrew1402 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2008, 21:45   #14 (permalink)
Bagafun
Basic Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

Welfare Rights Officer's are employed by the Local Authority. Ask at your local council office about one, or if that isn't an option in your area, try the CAB
Bagafun is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2008, 04:13   #15 (permalink)
andrew1402
Basic Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

thanks bagafun for your help i think this is a government scam because a lot of people have been turned down from medicals and appealed and failed appeals because of this new esa it's for those people like myself to help people that failed these medicals back into work maybe worth not persue your appeals and apply for this new esa when it comes in effect this is only a theory what i think is happening because after all incapacity benefit is scraped from this date to make way for esa how else are they gonna get new claims for this esa?like i said it's just my opinion take me for instance im fighting to get incapacity benefit back which won't exist after the 27th only to the ones not having medicals this year look out for people who are having medicals next year they'll be the same i think failed medicals then 2010 everyone will be on esa but hey it's just my theory whats happening with incpacity.
andrew1402 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2008, 18:59   #16 (permalink)
stardust_john
Gold Account Customer
 


I am in: Buckingham palace I wish
Posts: 416
stardust_john Novitiate
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and Income Support

I rang today as on dla and income support as the letter said I was to contact them. I was told there would only be a change of a decrease of about 1.00 nothing to worry about. I asked did I need to do anything else and was told no. I am a little confused as I though I had to state I wish to stay on income support and disability premium or I would lose it. I rang them and dont feel I achieved anything although they were helpful. I got the impression its changing and thats that.
stardust_john is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th October 2008, 20:45   #17 (permalink)
Zamzara
Gold Account Customer
Default Re: Employment and Support Allowance is replacing Incapacity Benefit and I